Norwood Financial Corp (NWFL)
Norwood Financial Corp brought in $9M of revenue over the twelve months to September 30, 2026, up 14.6% from a year earlier. Net income was $32.3M, a net margin of 359.8%. Operating cash flow minus capital spending left $29.2M of free cash flow in fiscal 2025. At September 30, 2026 it held $72.5M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 6, 2026.
Key facts about Norwood Financial Corp
- Net worth
- Norwood Financial Corp has a market value (market cap) of $398.1M at the latest share price, and shareholders' equity of $283.4M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $34M of cash; after $4.7M of capital spending, free cash flow was $29.2M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 6, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Norwood Financial Corp's next report is expected around January 11, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Norwood Financial Corp declared dividends of $1.25 per share in fiscal 2025, a yield of 3.42% at the current price.
What Norwood Financial Corp does
Norwood Financial Corp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker NWFL.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $8M | $27.8M | $3.01 | $29.2M |
| 2024 | $7.4M | -$160K | -$0.02 | $19.7M |
| 2023 | $7.1M | $16.8M | $2.07 | $28.4M |
| 2022 | $8.8M | $29.2M | $3.58 | $28.6M |
| 2021 | $7M | $24.9M | $3.04 | $27.9M |
| 2020 | $6.2M | $15.1M | $2.09 | $13M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where NWFL ranks in Finance
Dividends
Norwood Financial Corp declared $1.25 per share in fiscal 2025. At the current price that is a yield of 3.42%. It paid out $11.5M in cash dividends, 41% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.25 | $11.5M | 41% |
| 2024 | $1.21 | $9.7M | n/a |
| 2023 | $1.17 | $9.4M | 56% |
| 2022 | $1.17 | $9.2M | 31% |
| 2021 | $1.06 | $8.5M | 34% |
| 2020 | $1.01 | $7.3M | 48% |
Latest SEC filings
What Norwood Financial Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 6, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 21% to $2.5M versus the same quarter last year; diluted EPS $1.08 versus $0.89.
- October 27, 2026
- September 16, 2026Other event 8-K
- August 28, 2026Other event 8-K
- August 13, 2026Passive stake changed SCHEDULE 13G/A
- August 7, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 12% to $2.1M versus the same quarter last year; diluted EPS $0.86 versus $0.67.
- July 27, 2026
- July 22, 2026
- June 18, 2026Other event 8-K
- June 18, 2026
What is NWFL worth? A DCF from its reported cash flow
Insider trades
What the people running Norwood Financial Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $103.6K worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 13, 2026 | Phillips Kenneth ADirector | Received as pay | 40 | $1.3K |
| October 13, 2026 | Nolan Alexandra KDirector | Received as pay | 40 | $1.3K |
| October 13, 2026 | Nacinovich Marissa SDirector | Received as pay | 40 | $1.3K |
| October 13, 2026 | Matergia Ralph ADirector | Received as pay | 40 | $1.3K |
| October 13, 2026 | Lamont Kevin MDirector | Received as pay | 40 | $1.3K |
| October 13, 2026 | Hungerford Meg LDirector | Received as pay | 40 | $1.3K |
| October 13, 2026 | Gifford Jeffrey SDirector | Received as pay | 40 | $1.3K |
| October 13, 2026 | Forte AndrewDirector | Received as pay | 50 | $1.7K |
Who owns NWFL
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Wellington Management Group LLP13G, passive with 3 related filers | 5.2% | August 13, 2026 |
| Bay Pond Partners, L.P.13G, passive | 5% | February 10, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 111 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 776,358 | +115,675 |
| Wellington Management Group Llp | 567,505 | -183,286 |
| Vanguard Capital Management LLC | 441,759 | +13,701 |
| Geode Capital Management, LLC | 258,159 | +20,744 |
| Manufacturers Life Insurance Company, The | 174,278 | -783 |
| Bulldog Investors, LLP | 170,000 | 0 |
| Cornerstone Wealth Group, LLC | 166,585 | 0 |
| Dimensional Fund Advisors LP | 166,006 | +10,098 |
| State Street Corp | 155,948 | +14,280 |
| Raymond James Financial Inc | 97,899 | -447 |
| Cetera Investment Advisers | 95,308 | +33,380 |
| Northern Trust Corp | 81,233 | +1,856 |
| Vanguard Portfolio Management LLC | 69,055 | +11,832 |
| Marshall Wace, Llp | 65,738 | +24,579 |
| Renaissance Technologies LLC | 65,557 | +31 |
| Vanguard Fiduciary Trust Co | 64,876 | -1,900 |
| Segall Bryant & Hamill, LLC | 59,624 | +3,869 |
| Stonebridge Financial Group, LLC | 57,261 | +33 |
| Commonwealth Equity Services, LLC | 46,734 | -2,173 |
| Bank of New York Mellon Corp | 40,076 | +1,948 |
Insiders
16 insiders reported holding 365,132 shares in total, about $13.3M at the last price.
| Holder | Shares |
|---|---|
| Lamont Kevin MDirector | 136,992825 held indirectly |
| Carroll Joseph WDirector | 43,0461,100 held indirectly |
| Schmalzle Ronald RDirector | 36,12527,168 held indirectly |
| Gifford Jeffrey SDirector | 27,714825 held indirectly |
| Matergia Ralph ADirector | 27,550825 held indirectly |
| Forte AndrewDirector | 20,0507,624 held indirectly |
| Phillips Kenneth ADirector | 16,837825 held indirectly |
| Shook JamesDirector | 13,490825 held indirectly |
| Carmody John FEVP & Chief Credit Officer | 11,2251,500 held indirectly |
| Andress Spencer JDirector | 8,532 |
Questions about NWFL
What does Norwood Financial Corp do?
Norwood Financial Corp is a company in the Finance sector, listed on NASDAQ as NWFL. Its shares trade on NASDAQ under the ticker NWFL.
What is Norwood Financial Corp's net worth?
Norwood Financial Corp has a market value (market cap) of $398.1M at the latest share price, and shareholders' equity of $283.4M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Norwood Financial Corp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $32.3M on revenue of $9M, a net margin of 359.8%.
How much revenue does Norwood Financial Corp make?
Over the twelve months to September 30, 2026 Norwood Financial Corp reported revenue of $9M. That is 14.6% more than a year earlier.
When did Norwood Financial Corp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 6, 2026. It covers the period to September 30, 2026.
When is Norwood Financial Corp's next earnings report?
Norwood Financial Corp's next report is expected around January 11, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Norwood Financial Corp pay a dividend?
Yes. Norwood Financial Corp declared dividends of $1.25 per share in fiscal 2025, a yield of 3.42% at the current price.
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Where the numbers come from
Financial figures are the values Norwood Financial Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.